If you are having difficulty finding a method to consolidate, reduce, or eliminate your credit card loan, here’s an unbelievably easy solution for you …
Discover How You, Too, Can Save RM2,184.44 Credit Card Interest and Settle RM10,500 Outstanding In Just 36 months like me – Guaranteed! (While normally, we have to settle RM4,074.44 interest in 108 months, or 9 years)
You are going to discover simple and idiot-proof ways to help you get out of debt and back on the track to a burden-free financial status.
How can I reduce my credit card debt?
How fast can I reduce my credit card debt, and what is the shortest period?
Can I restructure my credit debt without surrendering my credit card(s)?
Dear Malaysia Credit Card Holders,
Four (4) years ago, I was like many of you, desperately looking for a solution to get rid of my credit card debts.
At the time, I didn’t have many options to choose from. All I could do was to limit my monthly spending and take some of my savings to pay off part of the credit card debt.
After 48 months of cautious planning on my monthly expenses and saving, I managed to pay off RM2,000 of my total credit card debts.
If you are like I once was, you will know that it is not easy to reduce a massive credit card balance, especially if your income doesn’t increase in proportion to your accumulated debt over the years.
I gave up the bad spending habits I once had, until there was no more room for further tightening.
The Most Idiot-Proof Ways to Save Thousands of Interest From Your Credit Card Debts and Eventually Get Out of The Debts in 36 Months or Less …
I thought I was doing well, until early this year … when I discovered a damn simple solution that helped me save RM2,184.44 on credit card interest and offered me a way to settle my RM10,500 credit card debt in 36 months.
At first, I was a bit skeptical about this method.
I mean, this sounded like a ‘mission impossible’ for me, after trying so hard for four years, when I managed to pay off only RM2,000 - but now I can settle the whole amount of RM10,500 in just under 3 years!!
Here is what I managed to do:
In my February statement, my accumulated debt with the bank was RM10,512.39, stated as previous balance in the statement. After the restructuring exercise, I begin paying RM291.67 monthly for the next 36 months.
Look at the summary below and you will be able to see the high impact from this consolidation exercise:
Before Restructuring After Restructuring
Outstanding amount RM 10,500 RM 10,500
Monthly payment RM 525.00 RM 291.67
(5% minimum payment) (fixed installment)
Interest rate paid 18% yearly 6% yearly
Interest payable RM 4,074.44 RM 1,890.00
(108 months) (3 years)
Repayment Period 108 months 6 months
Through this exercise, I am able to pay off RM10,500 credit card debt (including interest) in 36 months. I can save RM2,184.44 interest and use this amount of money to buy many things!! I will be debt-free 36 months later, without needing to change my spending habits.
Just imagine if your debt is double, triple, or ten times that of mine. How much can you save with this scheme? Just bring out your calculator and do the math…the figures will tell you the truth.
What is the best way of reducing credit card payments without interest? I can only pay just enough to cover bank interest each time. I want to know how I can make payments that can be deducted from the principal instead of from just the interest.
When the credit card debt grows too much, to a point that I am hard-pressed to pay off, is there a way to reduce or skip out on interest charges on the credit card debt?
Transferring the balance from one credit card company to another does not reduce the debt; it only postpones the repayment of it. Is there a better method? How do I reduce the debt?
Call me NOW at 016-2095536 if you are serious about living a debt free life. :)
Thursday, July 9, 2009
Wednesday, July 8, 2009
Malaysia change teaching Science and Maths to BM
Malaysia said Wednesday it will dump English as the language of instruction for maths and science in schools, in a highly sensitive decision that has split opinion in the multiethnic country.
Deputy premier Muhyiddin Yassin said that from 2012 the subjects will be taught in Bahasa Malaysia in national schools, or in Chinese and Tamil in vernacular schools.
Critics of the six-year policy of using English to teach the subjects argue that it has dragged down students' performance and is particularly unfair on children who are not proficient in the language.
"I wouldn't say it's a complete failure but it has not achieved the desired objectives that it was supposed to achieve," Muhyiddin told a press conference.
"The government is convinced that science and maths need to be taught in a language that will be easily understood by students, which is Bahasa Malaysia in national schools, Mandarin in Chinese schools and Tamil in Tamil schools."
He said the government would boost the teaching of English in schools, with more time given to the subject and the recruitment of nearly 14,000 extra teachers nationwide to teach the subject.
Muhyiddin cited a 2008 survey which found that students' performance in maths and science had fallen since it had been taught in English, and that rural children were hit particularly hard.
In the months since the government said it was considering dropping English, debate has raged in newspaper columns and letters to media outlets.
In March, riot police fired tear-gas to disperse at least 5,000 Malays who demonstrated in Kuala Lumpur against the use of English to teach the two subjects in national schools.
Deputy premier Muhyiddin Yassin said that from 2012 the subjects will be taught in Bahasa Malaysia in national schools, or in Chinese and Tamil in vernacular schools.
Critics of the six-year policy of using English to teach the subjects argue that it has dragged down students' performance and is particularly unfair on children who are not proficient in the language.
"I wouldn't say it's a complete failure but it has not achieved the desired objectives that it was supposed to achieve," Muhyiddin told a press conference.
"The government is convinced that science and maths need to be taught in a language that will be easily understood by students, which is Bahasa Malaysia in national schools, Mandarin in Chinese schools and Tamil in Tamil schools."
He said the government would boost the teaching of English in schools, with more time given to the subject and the recruitment of nearly 14,000 extra teachers nationwide to teach the subject.
Muhyiddin cited a 2008 survey which found that students' performance in maths and science had fallen since it had been taught in English, and that rural children were hit particularly hard.
In the months since the government said it was considering dropping English, debate has raged in newspaper columns and letters to media outlets.
In March, riot police fired tear-gas to disperse at least 5,000 Malays who demonstrated in Kuala Lumpur against the use of English to teach the two subjects in national schools.
Monday, July 6, 2009
Govt Plans Using Cars With Automatic Gear For Driving Tests
KUALA LUMPUR, June 28 (Bernama) -- The government plans to use cars with automatic gear transmission for driving tests as being practised in countries like the United Kingdom, Japan and Singapore.
Deputy Transport Minister Datuk Abdul Rahim Bakri said the move was expected to be implemented at the year end.
As such, he said the ministry would make several changes in the driving lesson's curriculum and test as well as restructuring the driving lesson regulations to allow automatic transmission cars to be used for driving tests.
The government would have to amend the Road Transport Act 1987 and the Motor Vehicle Regulations (Driving Licence) 1992 to facilitate the implementation, he said in a statement here today.
Abdul Rahim said the plan was currently being studied by the various agencies like the Road Transport Department, Malaysian Institute of Road Safety Research (Miros), Road Safety Department and the driving schools association.
He said the move was aimed at producing efficient drivers, besides reducing fatal road accidents in the country.
-- BERNAMA
Deputy Transport Minister Datuk Abdul Rahim Bakri said the move was expected to be implemented at the year end.
As such, he said the ministry would make several changes in the driving lesson's curriculum and test as well as restructuring the driving lesson regulations to allow automatic transmission cars to be used for driving tests.
The government would have to amend the Road Transport Act 1987 and the Motor Vehicle Regulations (Driving Licence) 1992 to facilitate the implementation, he said in a statement here today.
Abdul Rahim said the plan was currently being studied by the various agencies like the Road Transport Department, Malaysian Institute of Road Safety Research (Miros), Road Safety Department and the driving schools association.
He said the move was aimed at producing efficient drivers, besides reducing fatal road accidents in the country.
-- BERNAMA
Creating an online business
There are many different online business that you can create and in this article today we are going to look at a couple of different types. This article focused on creating online businesses and the different types that you can create.
The first kind of businesses that you can create when looking to create an online business would be a website which serves a particular niche in the market. Many people have done on this and this is often done by trying to find an underserved niche, building a website, and then profiting off of this small but profitable match. A great place to find more information on this particular topic would be www.findhotniches.com. Here the author has created a website which finds underserved niches which you could potentially build a website around. When you’re building a website, you’re going to want to find cheap keywords that you can use to help build your business as well as create good content. By creating the content and then creating back links between yourself and other websites, you’ll be setting yourself up to have a high page rank with Google. By using AdWords to bring traffic to your website and then also developing your natural search engine traffic through building up a website, you will have built yourself a very solid business. This is just one way of creating online business.
Another way to you can build and create an online business is through eBay. This is an area which was particularly hot several years ago and still remains a solid business proposition. Many people are able to make a full-time income on eBay. You will need to find a wholesaler where you can get products at a discount to sell on eBay. The general idea when working on selling on eBay is to find a drop shipper. A definition of a drop shipper is a wholesaler sells you a product and will ship the product to a customer. You will buy the product at the wholesale price and then make money on the difference between what you buy the product for and sell the product for on eBay. Using the wholesaler allows you to focus on selling the product without worrying about stocking the product. You do not need to worry about any sort of shipping or backend but you will want to make sure that everything gets sent out. If there are problems with shipments, the customer will be coming back to you and not to the wholesaler to. If you go to worldwidebrands.com, you will find the best wholesale shipping directory on the Internet.
These are two of the different ideas in creating an online business. There are many ways to make money on the Internet but these are two proven methods. You will not have to use a lot of money up front to create these particular online businesses and these businesses can be something that you will have great deal of success with.
The first kind of businesses that you can create when looking to create an online business would be a website which serves a particular niche in the market. Many people have done on this and this is often done by trying to find an underserved niche, building a website, and then profiting off of this small but profitable match. A great place to find more information on this particular topic would be www.findhotniches.com. Here the author has created a website which finds underserved niches which you could potentially build a website around. When you’re building a website, you’re going to want to find cheap keywords that you can use to help build your business as well as create good content. By creating the content and then creating back links between yourself and other websites, you’ll be setting yourself up to have a high page rank with Google. By using AdWords to bring traffic to your website and then also developing your natural search engine traffic through building up a website, you will have built yourself a very solid business. This is just one way of creating online business.
Another way to you can build and create an online business is through eBay. This is an area which was particularly hot several years ago and still remains a solid business proposition. Many people are able to make a full-time income on eBay. You will need to find a wholesaler where you can get products at a discount to sell on eBay. The general idea when working on selling on eBay is to find a drop shipper. A definition of a drop shipper is a wholesaler sells you a product and will ship the product to a customer. You will buy the product at the wholesale price and then make money on the difference between what you buy the product for and sell the product for on eBay. Using the wholesaler allows you to focus on selling the product without worrying about stocking the product. You do not need to worry about any sort of shipping or backend but you will want to make sure that everything gets sent out. If there are problems with shipments, the customer will be coming back to you and not to the wholesaler to. If you go to worldwidebrands.com, you will find the best wholesale shipping directory on the Internet.
These are two of the different ideas in creating an online business. There are many ways to make money on the Internet but these are two proven methods. You will not have to use a lot of money up front to create these particular online businesses and these businesses can be something that you will have great deal of success with.
Subscribe to:
Comments (Atom)